Equine Association

INDIVIDUAL MEMBER SUMMARY

2018 Insurance Program

Membership in your Equine Association automatically includes insurance coverage for many equine related risk exposures. Coverage is in excess of any other insurance you carry or is primary if you have no other insurance that could apply.

The Insurance is in effect each year from January 1st - January 1

st and provides Members with the following automatic coverage

and optional benefits:

AUTOMATIC COVERAGES INCLUDED WITH YOUR MEMBERSHIP:

a) $5,000,000 Liability Insurance (subject to $1,000 Property Damage Deductible)

This coverage protects you against lawsuits for Bodily Injury or Property Damage arising out of the ownership or use of a horse and / or arising out of your participation in personal equine related activities.

This policy includes coverage for legal liability arising from the non-commercial transport / incidental care, custody and control

of non-owned horses. The liability limit for care, custody and control is $10,000 per horse / $50,000 per accident.

Special Notes on Coverage Restrictions

i) Coverage excludes any lawsuit brought against you by your own spouse, or by any relative or dependent(s) residing in your household.

ii) Coverage excludes the “commercial use” of horses (such as renting them out to others) as well as participation in Rough Stock Rodeo events, pari-mutuel racing, or unsanctioned racing activity and providing coaching, lessons, instruction to others and participation in horse pulling competitions.

iii) Use of a horse for equestrian shows or competitions shall not be deemed commercial use; and barrel racing, team roping and team penning shall not be deemed rodeo or racing events.

iv) If you are a member but your principal residence is outside Canada, then your coverage is restricted to equine activities that take place in Canada. Coverage for Canadian residents is world wide but lawsuits must be brought against you in Canada.

v) Coverage is primary if you have no other insurance that will respond to a claim made against you, but will be considered excess of any other insurance you carry that can or should respond to the incident.

vi) Coverage is subject to a deductible of $1,000 for Property Damage claims. There is no deductible for Bodily Injury claims

b) $30,000 Principal Sum Accidental Death & Dismemberment coverage for each member arising from equine-related

activities – under the age of 90. Coverage excludes fracture, dental losses, or loss of income. This policy does not provide

partial disability benefits or loss of wages.

SPECIAL OPTIONS AVAILABLE FOR PURCHASE WITH YOUR PROVINCIAL EQUINE ASSOCIATION MEMBERSHIP:

a) "Members Named Perils" insurance covering death of an owned horse resulting from fire, lightning or collision/overturn of a conveyance in which a horse was being transported, attack by a dog or wild animal and more (no sickness). Refer to the policy wording for a full listing. This insures up to a maximum of $10,000 that may be applied regardless of the number of horses owned. Losses are restricted to one claim per year.

b) Enhanced Accidental Death & Dismemberment – In addition to your ‘included’ $30,000 Principal Sum you may now purchase an additional $50,000 coverage that includes limited benefits for Fracture and Dental arising from equine related activities – under the age of 75.

c) Travel (out of Province/Country) – Available January 1, 2018 - Provides $2,000,000 coverage for Medical/Hospitalization. Trips up to 90 days in duration – any number of trips per year – worldwide cover – including participation and/or preparing for equine related activities – under the age of 75. This coverage must be purchased prior to leaving your Province/Territory of residence.

d) You may now purchase coverage on your Tack: $10,000 any one occurrence / $10,000 any one membership per policy period; $500 deductible. Higher limits are now available.

OTHER OPTIONS ARE ALSO AVAILABLE TO MEMBER'S AT REDUCED COST:

a) "Equi-Care" providing life / medical / surgical insurance for your horses.

b) Liability for commercial use or equine business operations.

IMPORTANT: IF YOU ARE NOT A CANADIAN RESIDENT PLEASE READ THE LAST Q&A UNDER THE FAQ’S.

"The information above is a coverage summary only"

Equine Association Individual Members Frequently Asked Questions

Q Does my Provincial Equine Association sell me Insurance? A No, Capri Insurance Services Ltd. is a licensed insurance broker and the Administrator for the member insurance program. Any and all inquires related to

the insurance program must be directed to Capri Insurance Services Ltd.

Q Does the included Basic Accidental Death & Dismemberment (AD&D) or the Optional Accidental Death & Dismemberment (AD&D) cover short term disability or lost wages?

A No. These two policies do not provide short term or long term disability benefits, nor do they cover wages lost because you miss work.

Q What does the included Basic Accidental Death & Dismemberment (AD&D) cover? A Permanent loss of vision, hearing, limb or movement, and death, as detailed in the policy wordings.

Q Does the Basic Accidental Death & Dismemberment (AD&D) coverage included in my Equine Association membership include fracture and dental? A No., however, if you purchase the Optional Accidental Death & Dismemberment (AD&D), fracture and dental coverage is included. Sub-limits apply so

please contact Capri Insurance for further information. Q I need more coverage than this policy provides-where can I get it? A It is recommended that you investigate options to meet your personal needs which may involve other insurance sources.

Q What is considered to be commercial use of a horse? A Any equine activity from which you generate an income. This could include horses used on trail rides for the public, sleigh rides for the public, pack trips

for the public and stallions used for breeding. Receiving shared expenses for the occasional transportation of someone’s horse is not considered commercial use.

Q I own a horse that I let a friend ride. I do not ask for money and am not paid for this, it is simply a favour. Does this create any problems with coverage? A Because of the inherent risks associated with the activity, we strongly recommend that anyone and everyone who rides your horse obtain and maintain

membership in your provincial equine association to take advantage of the insurance benefits provided. This is a prudent risk management practice.

Q I sometimes assist and share my horse knowledge with neighbours and friends, I am not compensated – am I covered? A If there is any compensation or commercial transaction involved (presumed or otherwise) no coverage will be provided. We recommend that all persons

offering instruction obtain certification and appropriate insurance to protect themselves for claims arising from this activity.

Q I lease out my horse for part of the year. I am paid for the expenses of keeping the horse plus a small extra monthly amount, how does the insurance program deal with this situation?

A If you receive any value in excess of your actual expenses it is considered commercial use and your policy will not respond.

Q What value is this coverage if I have home insurance with liability coverage extended to my horses? A Your home insurance may be limited. Many companies restrict coverage to your premises and do not cover riding activities off premises or at shows.

Most also charge an additional premium. Membership includes $5,000,000 Liability on all your horses and with no premises restriction.

Q Are there any deductibles on the liability or transportation coverages? A Yes - a $1,000 deductible applies, but only on claims for damage to Property belonging to others.

Q I sometimes trailer horses for friends who reimburse me with cash for fuel expenses or buy me supper. How does the insurance respond to this aspect of trailering and taking compensation?

A There is no problem in the case described as this situation does not represent an activity for profit.

Q Does the transportation coverage with my membership cover my horse if it dies during transportation? A No. The insurance protects you for your legal responsibility in the death or someone else’s horse – not your own horse – and the coverage is limited per

horse and per accident.

Q Who determines the value of a horse after an accident while trailering and how much will be paid? A The actual amount paid is established by an insurance adjuster using all available information and from the equine industry at large concerning

acceptable practices in establishing the value of a horse. ($10,000 per horse and $50,000 per accident are the maximums paid under the transportation section)

Q I am a member in good standing and compete out of province. Does this coverage follow me? A Yes. If your principal residence is in Canada, this insurance is world wide coverage.

Q I board my horse at a friend’s place. If she is hurt while riding my horse, is she covered? Am I covered? A Are both parties members? If so, the injured person has coverage under the Automatic AD&D through their membership. The owner of the horse has

coverage if the injured rider sues for bodily injury.

Q I board my horse. Does my membership insurance cover the owner or manager of the boarding facility? A No. They must arrange their own coverage for this and the other liability exposures on their own premises.

Q Does this insurance program cover my horse if it is injured or dies? A Yes and No (depending on the options purchased). The automatic liability insurance covers “you” if your horse causes injury or damage to another person

which results in a law suit. If you also purchased the optional ‘Equi-Care’ insurance (full Mortality coverage) or the optional Member’s Named Perils (Basic coverage) then you would have actual insurance covering your own horse.

Q If I am not a Canadian Resident, can I still purchase the membership and do any of the coverages apply? A Coverage for non-residents is limited to liability claims that occur while participating in “approved” equine activities within Canada. The coverage will not

extend to claims made or brought outside of Canada.

FAQ’s for Out of Province/Country Travel Medical Jan 1, 2018

www.capri.ca/horse

Equine Association Individual Members

Frequently Asked Questions for Out of Province/Country Travel Medical

www.intercityinsurance.com

Q Who can purchase this coverage? A Individuals who are members in good standing of their Provincial/Territory Equine Association.

Q Is this policy only for Equine related trips? A No. This policy covers the insured person for any trips no longer than 90 days in duration and taken during the term of the policy.

Coverage applies while you are travelling outside of your Province/Territory of residence.

Q What if I have a pre-existing health condition? A Pre-existing health conditions are excluded as per the policy wording. This is a common exclusion.

Q Will this policy cover me for rodeo and/or racing events? A No. This policy does not cover claims arising from participation in Rough Stock Rodeo or Pari-Mutuel Racing Events.

Q What if I travel while I am pregnant? A Pregnancy, miscarriage, voluntary termination of pregnancy, childbirth or their complications are excluded, except that in the case of an

unexpected pregnancy complication that occurs before the end of the 7th month are covered.

Q I am aware that this policy covers trips for up to 90 days. Can this be increased? A No. Trips are only covered up to 90 days in length. You can, however, take as many trips per year as you like as long as they are under

the 90 day limit per trip.

Q Does this cover me while I am riding my horse outside of my Province/Territory of residence? A Yes. This is what makes this program stand out from the basic Out of Province/Country Travel Medical program as most companies

exclude any claims resulting from riding. Remember, claims resulting from Rough Stock Rodeo or Racing Activities are excluded.

Q What if I need to make a claim while outside of my Province/Territory of residence or Canada? A Make sure you carry the wallet card that contains phone numbers that will connect you with a SRIM Claims Representative. If in the United

States or Canada, there is a 1-800 number and anywhere else in the world a phone number is provided where you may call collect. They will assist you with any medical needs or questions and provide direction on how to proceed.

Q Is there are a maximum age limit for coverage eligibility? A Yes. You must be under the age of 75 to be eligible for coverage.

Q What if I am 74 on January 1st and I turn 75 during the term of the policy. Does coverage automatically cease when I turn 75? A Yes. At 12:01 A.M. on the date of your 75th birthday, all coverage as provided by this policy cease.

Q I have an annual plan already through my employer that covers me for trips up to 60 days. Can this PSO coverage be used as excess of my employer plan or as a ‘top up’?

A No. Days start counting the moment you leave your Province/Territory of residence.

Q What happens if I purchase this coverage through my Provincial Association but I also have coverage under a Credit Card or through my employer?

A You need to review the coverage under all the plans to determine which provides the best coverage and limits. If you have an incident while out of Province/Country, the first card that is presented is the primary coverage so it is recommended that this is the card that is provided. Travel Medical coverage is not stackable.

Q What if I am already out of the Province/Country when the coverage takes effect – will I be covered? A No. You must be in your Province of residence when the coverage takes effect.

Q If I purchase the 2018 Travel Medical option and I leave December 15, 2018 on a 60 day trip, am I still covered? A Yes, trips are covered up to a MAXIMUM of 90 days from the date of departure, from your Province/Territory of residence.

A FEW FACTS ABOUT THE AUTOMATIC INSURANCE

COVERAGE INCLUDED WITH YOUR EQUINE ASSOCIATION OF THE YUKON MEMBERSHIP

IF YOU, THE MEMBER have paid your annual membership dues and are therefore in “good standing” with the EQUINE ASSOCIATION OF THE YUKON, YOU, THE MEMBER are provided with TWO important and separate insurance benefits AUTOMATICALLY:

1. $5,000,000 of excess PERSONAL LIABILITY insurance that WILL protect YOU, THE MEMBER if YOU, THE MEMBER are SUED by a third party because a horse that YOU, THE MEMBER own, lease or use causes PROPERTY DAMAGE OR BODILY INJURY TO A THIRD PARTY.

A few examples of situations where YOU, THE MEMBER, HAVE COVERAGE:

Example 1. The horse kicks or bites someone causing bodily injury Example 2. The horse kicks a car or escapes on to a neighbor’s land causing property damage Example 3. “Someone else” is holding your horse and the horse causes property damage or bodily injury to a third party.

The policy is IN FORCE 24 hours a day, seven days a week, anywhere in the world. So if you board your horse elsewhere, keep your horse at home or go for a ride down the road or on the trail – YOU, THE MEMBER are covered.

The policy will provide liability protection regardless of the number of personal use horses you own or lease. Some

important information to consider:

a) The insurance policy DOES contain an EXCLUSION if your horse is used for COMMERCIAL purposes. This means

that if you receive compensation for the use of your horse - (e.g. “money” or “trade of value” for riding instruction, or reduced board for the use of your horse by someone else in a lesson) this policy will NOT respond. THIS IS A

PERSONAL LIABILITY POLICY ONLY.

b) IF you do allow others to RIDE your horse, then be sure that the person RIDING the horse is also a member of EQUINE ASSOCIATION OF THE YUKON OR is employed in whole or in part in the horse business (for example your certified coach etc.). If the person RIDING your horse meets either of these criteria, then YOU, THE MEMBER ARE COVERED.

c) The insurance policy DOES contain an EXCLUSION related to claims made between immediate family members.

(e.g.- the parent/spouse of a member will not be covered by this insurance if their own child / spouse sued them)

d) Part of the liability coverage provided through membership addresses the exposure that could arise IF YOU, THE MEMBER transport (TRAILER) a horse that DOES NOT belong to you (in a non-commercial situation). If that non-owned horse were injured as a result of your negligence and IF that other person decided to sue you for compensation for their loss, the policy will respond - up to a limit of $10,000 for any one horse. Please note - this is

NOT commercial horse transport insurance and is NOT life insurance for the horse being transported – this is liability insurance to protect you if you are sued by a third party when you are in the care, custody and control of a non-owned horse.

2. $30,000 (Principal Sum) Accidental Death or Dismemberment coverage if YOU, THE MEMBER suffer from a

scheduled (listed) catastrophic and permanent injury (or death) related to an incident where horses are involved. This coverage is in force 24 hours a day, seven days a week, and covers the member anywhere in the world.

Please note the following conditions and exclusions pertaining to the included AD&D coverage:

i. Coverage is provided for Canadian residents only; ii. This is not a short term disability (STD) or long term disability (LTD) insurance policy nor does

the policy provide compensation for lost wages; iii. The policy that is included with your membership does not provide any payment for fracture or

dental injuries. iv. THIS AUTOMATIC COVERAGE ONLY APPLIES TO MEMBERS UNDER THE AGE OF 90 YEARS.

If you have any questions or require more comprehensive and individualized coverage, please contact Capri Insurance directly and they will be pleased to assist you. Phone toll free - 1-800- 670-1877

Sept 13-17

Term: The policy is in force from January 1 to January 1 each year. Your coverage begins and

remains in force while you are deemed to be a member in good standing by the association and under 90 years of age.

Insurer: AD&D Coverage is underwritten by Special Risk Insurance Managers Ltd. (SRIM) and is

administered by Capri Insurance Services Ltd. as the insurance broker Limit: $30,000 Principal Sum Coverage Territory - Worldwide

SUMMARY DESCRIPTION/INTENT:

This insurance provides a lump sum payment if you suffer from a listed (scheduled) injury that arises from participation in equine related activities. The amount payable depends on the injury sustained and is either a multiple of the Principal Sum or a portion of the Principal Sum.

Please note: not all injuries are covered under this insurance policy.

Special Notes on Coverage Restrictions

The coverage is in force 24 hours a day, 7 days a week and covers you anywhere in the world while participating in or travelling to / from an equine activity.

This is not a short term disability (STD) or long term disability (LTD) insurance policy nor does the policy provide compensation for lost wages.

The policy that is included with your membership does not provide any payment for fracture injuries or dental injuries.

Coverage is limited to individual members who are under the age of 90 years.

Coverage is provided to Canadian Residents only.

CAPRI INSURANCE SERVICES LTD. 100 – 1500 HARDY STREET, KELOWNA, BC V1Y 8H2

Phone Toll Free 1-800-670-1877 Fax (250) 860-1213 Website: www.capri.ca/horse Email: agri@capri.ca

INFORMATION

ABOUT THE ACCIDENTAL DEATH AND DISMEMBERMENT

(AD&D) INSURANCE COVERAGE AUTOMATICALLY PROVIDED IN

YOUR EQUINE ASSOCIATION MEMBERSHIP

Sept 13-17

Q Does my Provincial Equine Association sell me the insurance? A No. Capri Insurance Services Ltd. is a licensed insurance broker and Administrator for the member insurance program. Any and

all inquiries related to the insurance program must be directed to Capri Insurance Services Ltd.

Q Does the included Basic Accidental Death & Dismemberment (AD&D) or the Optional Accidental Death & Dismemberment (AD&D) cover short term disability or lost wages?

A No. These two policies do not provide short term or long term disability benefits, nor do they cover wages lost because you miss work.

Q What does the included Basic Accidental Death & Dismemberment (AD&D) cover? A Permanent loss of vision, hearing, limb or movement, and death, as detailed in the policy wordings.

Q Does the Basic Accidental Death & Dismemberment (AD&D) coverage included in my Equine Association membership include fracture and dental?

A No, however - If you purchase the Optional Accidental Death & Dismemberment (AD&D), fracture and dental benefits are included. Sub-limits apply so please contact Capri Insurance for further information.

Q I need more coverage than this policy provides - where can I get it? A It is recommended that you investigate options to meet your personal needs which may involve other insurance sources. The following are examples of the amount that could be paid under this policy. “Principal Sum” = $30,000

1. Death 100% of the “Principal Sum” 2. Loss of sight in both eyes 100% 3. Loss of sight in one eye 75% 4. Hearing in both ears 75% 5. Loss of or (complete and permanent) loss of use of

i. Both hands 100% ii. Both feet 100% iii. One leg 80% iv. One foot 75%

6. For permanent paralysis of i. Both Upper and Lower limbs 200% (Quadriplegia) ii. Both Lower limbs 200% (Paraplegia) iii. Upper and lower limbs

On one side of the body 200% (Hemiplegia) iv. Thumb and index finger or at least four fingers or one hand 40%

The policy also provides related compensation when a covered injury is sustained

Repatriation Benefit $15,000 Education benefit $ 5,000 or 5% of the Principal Sum for dependant children when the claim is for Loss of Life Day Care benefit $ 5,000 Rehabilitation Benefit $15,000 Workplace Modification $ 5,000 Family Transportation $15,000 Seat Belt Benefit $ 3,000 Home Alteration Benefit $15,000 Private Nursing $ 5,000

The AD&D policy provided in connection with membership does NOT cover

1. Loss of income or wages. 2. Partial Disability 3. Fracture injuries or Dental injuries 4. Short or long term disability benefits

The information above is a coverage summary only. Any questions please contact Capri Insurance Services Ltd.

Equine Association Individual Members

Frequently Asked Questions

AD&D Insurance

Term: The policy is in force from January 1 to January 1 each year. Your coverage begins and

remains in force while you are deemed to be a member in good standing by the association

Insurer: Liability Coverage is underwritten by Certain Underwriters at Lloyd’s of London and is

administered by Capri Insurance Services Ltd. as the insurance broker Limit: $5,000,000 per occurrence. Coverage Territory - Worldwide SUMMARY DESCRIPTION/INTENT:

This insurance protects you against lawsuits that can be brought against you for Bodily Injury or Property Damage claims arising out of the personal ownership or personal use of a horse and / or arising out of your participation in most equine related activities. This policy also includes coverage for legal liability arising from the non-commercial and incidental care, custody and control of non-owned horses (transport, emergency boarding etc.) limit of $10,000 per horse / $50,000 per accident.

Special Notes on Coverage Restrictions:

i) Coverage excludes any lawsuit brought against you by your own spouse, or by any relative or dependent(s) residing in your household.

ii) Coverage excludes the “commercial use” of horses (such as renting them out to others) as well as participation in Rough Stock Rodeo events, pari-mutuel racing, or unsanctioned racing activity, providing coaching, lessons, instruction to others for any form of compensation, and participation in horse pulling competitions.

iii) Use of a horse for equestrian shows or competitions shall not be deemed commercial use; and barrel racing, team roping and team penning shall not be deemed rodeo or racing events.

iv) If you are a member but your principal residence is outside Canada, then your coverage is restricted to equine activities that take place in Canada. Coverage for Canadian residents is world wide but lawsuits must be brought against you in Canada.

v) Coverage is primary if you have no other insurance that will respond to a claim made against you, but will be considered excess of any other insurance you carry that can or should respond to the incident.

vi) Coverage is subject to a deductible of $1,000 for Property Damage claims. There is no deductible for Bodily Injury claims

CAPRI INSURANCE SERVICES LTD. 100 – 1500 HARDY STREET, KELOWNA, BC V1Y 8H2

Phone Toll Free 1-800-670-1877 Fax (250) 860-1213 Website: www.capri.ca/horse Email: agri@capri.ca

“The Information above is a coverage summary only”

Sep 12-17

INFORMATION

ABOUT THE LIABILITY INSURANCE COVERAGE AUTOMATICALLY

PROVIDED IN YOUR EQUINE ASSOCIATION MEMBERSHIP

Sep 13-17

Term: The policy is in force from January 1 to January 1 each year. Your coverage begins and remains in force

while you are deemed to be a member in good standing by the association and under 75 years of age. Insurer: AD&D Coverage is underwritten by Special Risk Insurance Managers Ltd. (SRIM) and is administered by

Capri Insurance Services Ltd. as the insurance broker Limit: $50,000 Principal Sum (Catastrophic Injury), $7,500/$2,500 Principal Sum (Fracture), $5,000 Principal Sum

(Dental) Coverage Territory - Worldwide

SUMMARY DESCRIPTION / INTENT

This insurance provides a lump sum payment if you suffer from a listed (scheduled) injury that arises from participation in equine related activities. The amount payable depends on the injury sustained and is either a multiple of the Principal Sum or a portion of the Principal Sum.

Please note: not all injuries are covered under this insurance policy.

Special Notes on Coverage Restrictions

The coverage is in force 24 hours a day, 7 days a week and covers you anywhere in the world while participating in or travelling to / from an equine activity.

This is not a short term disability (STD) or long term disability (LTD) insurance policy nor does the policy provide compensation for lost wages.

Coverage is limited to individual members who are under the age of 75 years.

Coverage is provided to Canadian Residents only.

Q Does my Provincial Equine Association sell me the insurance? A No. Capri Insurance Services Ltd. is a licensed insurance broker and Administrator for the member insurance program. Any and

all inquiries related to the insurance program must be directed to Capri Insurance Services Ltd.

Q Does the Optional Accidental Death & Dismemberment (AD&D) cover short term disability or lost wages? A No. This policy does not provide short term or long term disability benefits, and does not cover wages lost because you miss

work.

Q What does the Optional Accidental Death & Dismemberment (AD&D) cover? A Permanent loss of vision, hearing, limb or movement, and death, as detailed in the policy wordings. Q I need more coverage than this policy provides - where can I get it? A It is recommended that you investigate options to meet your personal needs which may involve other insurance sources. Accidental Dental Expense Reimbursement

Q What is covered by the ‘dental’ section? A The insurer will pay up to $5,000 for injury to whole and sound teeth arising from an equine related accident. The insurer will

pay according to the Provincial Dental Association Fee Guide. Treatment/Surgery for dental injury must occur within 30 days from the date of the accident.

CAPRI INSURANCE SERVICES LTD. 100 – 1500 HARDY STREET, KELOWNA, BC V1Y 8H2

Phone Toll Free 1-800-670-1877 Fax (250) 860-1213 Website: www.capri.ca/horse Email: agri@capri.ca

INFORMATION

ABOUT THE OPTIONAL ACCIDENTAL DEATH AND

DISMEMBERMENT (AD&D) INSURANCE COVERAGE

Sep 13-17

The following are examples of the amount that could be paid under this policy.

A) Catastrophic Injuries -Principal Sum = $50,000

1. Death 100% of the “Principal Sum” 2. Loss of sight in both eyes 100% 3. Hearing in both ears 75% 4. Loss of or (complete and permanent) loss of use of

i. One leg 80% ii. One foot 75%

5. For permanent paralysis of i. Both Upper and Lower limbs 200% (Quadriplegia) ii. Both Lower limbs 200% (Paraplegia) iii. Upper and lower limbs

On one side of the body 200% (Hemiplegia) iv. Thumb and index finger or at least four fingers or one hand 40%

The policy also provides some related compensation when a covered injury is sustained

Repatriation Benefit $15,000 Education benefit $ 5,000 or 5% of the Principal Sum for dependant children when the claim is for Loss of Life Day Care benefit $ 5,000 Rehabilitation Benefit $15,000 Workplace Modification $ 5,000 Family Transportation $15,000 Seat Belt Benefit $ 3,000 Home Alteration Benefit $15,000 Private Nursing $ 5,000

B) The following are examples of the amount that could be paid for Fracture, Dislocation, Tendon Severance and Miscellaneous. Fracture – Principal Sum = $7,500 / $2,500

When injury results in any of the following fractures, dislocations, severances or miscellaneous conditions within three hundred and

sixty five (365) days after the date of the accident, the Insurer will pay the Fracture Indemnity as per the following amounts in accordance with the percentages indicated below but not more than (1) such indemnity, the largest, will be payable as the result of any one (1) accident.

(1) Up to five thousand dollars ($7,500) if the Insured Person is wearing an Equine-approved protective helmet or (2) Up to two thousand five hundred dollars ($2,500) if the Insured Person is not wearing an Equine-approved protective helmet at

the time of injury For Complete fracture (including Greenstick type of fracture) For Complete Dislocation

Of the Skull (depressed)…….………………….100% of Principal Sum Of the Hip………………………………………...42% Of the jawbone(mandible or maxilla)………..…33% Of the knee(with open primary repair)……..…33% Of the lower leg………………..………….……....25% Of the elbow……………………………………..12% Severance of Tendon or Tendons Miscellaneous

Heel (Achilles)………………………………...……………….22% Rupture kidney(operative)……………………...27% Knee…………………………………………………………....18% Punctured lung-with open surgery………….....23% Wrist…………………………………………………………….12% Knee injured and requiring surgery But no facture or dislocation…………………....22%

The information above is a coverage summary only. Any questions please contact Capri Insurance Services Ltd.

Equine Association Individual Members Frequently Asked Questions

AD&D Insurance